Payment Cards

(1) The fee listed is for Luminor Debit package in case Visa Debit is included in Luminor Debit package. If Visa Debit is included in Luminor Black Package then Luminor Black package fee will apply.
(2) Luminor Black card is available only with Luminor Black package. The fee listed is for a package.
(3) The fee is not applicable if the Customer pays the fee for an express issuing of the Card.
(4) If the card is ordered on a business day by 12:00 AM, it will be delivered to Customer Service Center on the second business day after ordering.
(5) New Luminor Visa Infinite credit cards are not issued from 02.05.2024.

More information about Payment cards can be found here.

(4) When paying by card (including cash withdrawals from ATMs) in a currency other than euros, the transaction amount is converted into euros from the transaction currency according to the VISA currency conversion rate. The VISA conversion rate consists of the European Central Bank exchange rate and the VISA currency conversion fee. A Luminor currency exchange fee is added to the VISA currency conversion rate.
Exchange rate fee added by „Luminor“ and „VISA“ can be calculated here .
The billing amount in euros shown on the account statement is with currency conversion fees already included. If customer pays with a card in other currency than euros, Luminor will send customer an SMS message indicating the total currency conversion fee applied by Luminor and VISA, which is added to the transaction amount converted at the European Central Bank exchange rate.
(5) The calculation is made on the basis of confirmed transactions within a month.
(6) In PERLAS terminals based on the list provided here the service is provided by UAB "Perlas Finance".

More information about Payment cards can be found here.

(6) The total cost of the limit APR (annual percentage rate) calculating example for Luminor Black Card:
If you obtain and use a credit limit of EUR 1000, the total amount payable by the borrower of the limit is EUR 1259.36, and the total annual percentage rate of the cost of the limit is 26.58 %. These calculations are carried out under the following assumptions: payment card and credit limit maturity date are 12 months, fixed interest rate of 18 %, payment card administration fee with Luminor Black package EUR 5.50 per month.
(7) The fee for the use of the credit limit is charged in case the interest provided under the agreement is 0%. The fee for the use of the credit limit is not charged in case the borrower uses the credit limit by making a transaction with a payment card (except cash-out transaction).

More information about Payment cards can be found here.

(7) Cardholder can bring additional guests to lounge every time cardholder visits lounge. Companions' visits are counted as separate visits.

More information about Payment cards can be found here.